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Chuck Olmsted recognizes that individual needs vary from one person to the next. We enjoy helping those just getting started. Many of our clients have excellent credit scores, while others need help in that area. Some work for major corporations, while some are self-employed; some have sizeable down payment funds, while others need seller paid closing costs. The upcoming purchase may be a primary residence, a second home, or an investment property. It might be a single family residence, a condominium, or up to 4 units.

Our job is to listen to our clients, determine what they have and what they need, and select the best program for them from our array of lenders. For a confidential consultation email me at This email address is being protected from spambots. You need JavaScript enabled to view it..

Luxury Real Estate

Chuck Olmsted excels at jumbo and super jumbo mortgages. I have experience with high net worth buyers who want solutions for purchasing a variety of residences, from estate homes to luxury oceanfront condominiums, and second homes. Throughout the loan process, I focus on leveraging your assets, preserving cash if needed, and maximizing cash flow. 

I understand the needs of out-of-state buyers. The premier lenders I represent offer the most competitive rates, and understand high net worth individuals. I can help you acquire additional real estate holdings using intervivos revocable trusts and 1031 exchanges for tax advantaged transactions. Let me help you manage your real estate portfolio. I have jumbo programs for primary residences, second homes, and vacation homes. If you need access to excellent high end mortgage solutions in South Carolina, please email me at This email address is being protected from spambots. You need JavaScript enabled to view it..

Conforming Loans

Chuck Olmsted works for you, searching for the ideal loan product with the best interest rate and term. I provide solid advice, including the pros and cons of individual loan scenarios. My automated underwriting systems can pre-qualify you quickly. I will prepare a pre-qualification letter to show the seller and Realtor how much home you can afford and that your offer is serious. I am ready to help you buy your primary home, second home, or investment property. I cover special niches like jumbo; self-employed; first time home buyers.

First-Time Home Buyers

If you are tired of paying rent, find out if you can qualify for a first time home buyer's program. These programs allow a monetary gift from a relative to be used; and the seller can contribute towards your closing costs and prepaid items. Great programs are available to choose from through FHA and FNMA. There are many good reasons to buy a home, including building equity in real estate; tax deductibility of mortgage interest and taxes, and pride of home ownership. If you or someone you know is renting, contact me and ask for the first-time home buyer's loan example that compares rent versus buy.

Credit Challenged

Not everyone has perfect credit in the 700-800 FICO range. We often consult with individuals with lower credit scores or who have a recent bankruptcy. We try to make home ownership possible for almost everyone. We can recommend helpful tips and resources for improving your credit. Help: AnnualCreditReport.com is the official site to help consumers to obtain their free credit report. This central site allows you to request a free credit file disclosure, once every 12 months from each of the nationwide consumer credit reporting companies. If you believe your credit reporting is inaccurate, you can dispute online by contacting: Equifax , Experian and TransUnion.


Chuck Olmsted Mortgages

chaztownchuck@gmail.com
(843) 901-1557 • NLMS #258866
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